CTP and power to weight for drivers

[spajohn]

Hi, as the title suggests just wondered if the collective knowledge of KB knows if we are any closer to compulsory third party insurance, and introducing power to weight restrictions for cagers?

[Scuba_Steve]

both horrendously bad ideas, but luckily no steps has brought us closer to these disasters ...yet

[george formby]

both horrendously bad ideas, but luckily no steps has brought us closer to these disasters ...yet

Whats wrong with compulsory 3rd party insurance? It instantly puts the clamps on young drivers of modified, powerful cars & forces young riders to progress in capacity as they learn, more so than the test. The very people who are over represented in accident statistics.

I also believe that it lowers premiums for older riders in the long term.

Advanced driving / riding qualifications lower premiums for those who really want to be good & not just show off.

Just my ha'penny worth.

[Scuba_Steve]

Whats wrong with compulsory 3rd party insurance? It instantly puts the clamps on young drivers of modified, powerful cars & forces young riders to progress in capacity as they learn, more so than the test. The very people who are over represented in accident statistics.

I also believe that it lowers premiums for older riders in the long term.

Advanced driving / riding qualifications lower premiums for those who really want to be good & not just show off.

Just my ha'penny worth.

Whats wrong with it??? It instatly put prices up & offers very little in return, anyone who thinks the kid with the shitty car, no reg, no WOF is going to pay CTP your fucking dreaming.
I must find it again one of these days but a AA study couple years back had something like 94% of NZ drivers insured (at-least 3rd party) & of those that wern't 86% couldn't be. So really what would change??? The only thing would be prices, which would skyrocket I guarantee 3rd party would become more expensive than full cover now if CTP came in.
So save ya money, get ya self full cover & leave it at that.

As for "powerful cars" you don't need one. May I introduce you to the Honda CRX & Mazda fimiliar 323 turbo, both small engines both accepted as "low powered cars" both will fair rocket if you stick ya foot down, both are likely to get you into more trouble than an XR6 or XR8

[george formby]

Nah soz, I have to disagree.

My only point of reference is growing up in the UK where I knew nothing different. The cars you point out would instantly be flagged for young drivers, the categorys are not based on cc's alone.

Bhoi racers in the UK drive 1.1cc Barinas, middle aged hooligans are the only people who can remotely afford a quick car or bike.

The upside for me was how cheap my insurance was last time I visited. Fully comp on a TDM with full EU back to base & road side cover + repatriation was just over half of what it costs here.

I think it's a step in the right direction any hoo.

[Scuba_Steve]

the Mazda & the Honda are 1.3's Honda also have a 1.5.

as for insurance over there, you sure??? I remember Top Gear did an episode buying "learners cars" & insured them (through "the parents") which cost about $1500GBP last I checked that was about $3000NZD yes I know that also includes medical & "emotional damage" etc, but thats a hell of a price each year & that's the cheap end.

[bogan]

the Mazda & the Honda are 1.3's Honda also have a 1.5.

as for insurance over there, you sure??? I remember Top Gear did an episode buying "learners cars" & insured them (through "the parents") which cost about $1500GBP last I checked that was about $3000NZD yes I know that also includes medical & "emotional damage" etc, but thats a hell of a price each year & that's the cheap end.

I think they bought them as 'learners' too, so most of that would be from the driver, not the car. Have to agree though, it skews the pricing and makes it more expensive for those less able to afford it in the first place. I know most insurance models are me-me-me oriented, but surely all old people get the benefits of a lesser learner rate anyway?

[davereid]

Nah soz, I have to disagree.

My only point of reference is growing up in the UK where I knew nothing different. The cars you point out would instantly be flagged for young drivers, the categorys are not based on cc's alone.

Bhoi racers in the UK drive 1.1cc Barinas, middle aged hooligans are the only people who can remotely afford a quick car or bike.

The upside for me was how cheap my insurance was last time I visited. Fully comp on a TDM with full EU back to base & road side cover + repatriation was just over half of what it costs here.

I think it's a step in the right direction any hoo.

(1) New Zealand 3rd party insurance includes limited first party cover. I pay $65 for my K100 and I get $4000 worth of first party cover as well. Check your policy, but in NZ you actually get first party cover as well if you can identify the party at fault.

(2) There is very little difference in the number of people insured in voluntary New Zealand with countries with compulsory regimes.

(3) Third party insurance in NZ is very cheap. I pay $65 for my K100 and get free first party cover. An internet "online quote" experiment is easy to do. Find a UK insurer online and get a quote. I did and they wanted more than I paid for the bike for insurance.

(4) An insurer may decline a claim if the insured is not properly licenced or is impaired.

If you really think the boy racer that crashes into you will be within the terms of his licence with regard to curfew, passengers, breath alcohol etc and you will be paid out by his cover you are an idiot.

(5) as you will lose the existing first party cover you get for a third party price, you will need full cover for all your vehicles.

So please, forget the CTP thing. Its a dog, supported by idiots, politicians, and did I mention idiots.

[spajohn]

(1) New Zealand 3rd party insurance includes limited first party cover. I pay $65 for my K100 and I get $4000 worth of first party cover as well. Check your policy, but in NZ you actually get first party cover as well if you can identify the party at fault.

Cheers Dave, that's very useful.

[brendonjw]

the Mazda & the Honda are 1.3's Honda also have a 1.5.

The Mazda 323 GTX is a 1.8ltr turbo not 1.3 (and the smaller 1.5ltr engined ones didnt come with turbo's from factory) and im actually for them doing a Power to weight ratio, i believe they do one in Aussie too.

[Pseudonym]

So please, forget the CTP thing. Its a dog, supported by idiots, politicians, and did I mention idiots.

You're repeating yourself… 3 times…

I have to agree that it’s a flawed idea.
All it will do is drive up insurance prices and they are going to rise quite sharply anyway if the roomers are true.
Most of those who have it will still have it, those who don’t but then get it because they now have to will be offset by those who no longer can afford it but still need to drive.

[caspernz]

In some countries Compulsory Third Party is included in the registration. What's wrong in NZ is that we're soft on those who drive unlicensed, unregistered or unwarranted, or for that matter uninsured. It's quite simple, either you've got the dosh to run your vehicle or you're not operating it, no ifs buts or maybes.
You don't need to like the UK approach, drive without insurance and your vehicle gets impounded. Why should I do the right thing and subsidise the no-hopers?

[\m/]

While I currently have no trouble paying for the running costs of my vehicles (including full insurance), if the UK is anything to go by, I seriously doubt I would be able to afford insurance if it is made compulsory.

[caspernz]

A level playing field is all that I would like to see....utopian as that notion may be.